Allied Bank's SME and business banking covers everyday business accounts (conventional or Islamic), working-capital and trade financing through relationship-managed branches, and a newer digital layer — Allied SME Finance — that uses cashflow-based credit scoring instead of relying solely on collateral, delivering short-term funding through Allied Digital Finance and Supply Chain Financing.
Allied Bank has repositioned SME banking as a strategic focus area, aiming to use its nationwide branch network to become what it calls a "Total Banking Solutions" provider for small and medium enterprises — rather than treating SME lending as a smaller add-on to retail or corporate banking. That repositioning was recognized in 2026, when ABL won Pakistan's Best Digital Bank for SMEs at the Euromoney Awards for Excellence, citing its Allied SME Finance platform's expansion of credit-scoring-based lending. See the Latest News page for that announcement.
Which Allied Bank Product Fits My Business?
Allied Bank spreads SME products across a digital lending platform, traditional branch-based financing, and Islamic alternatives — picking the wrong entry point wastes a trip or an application. Answer three questions to get pointed at the right named product below, not a generic "talk to a relationship manager."
Recommendations reference only the named Allied Bank SME products documented on this page and Allied Bank's official business-banking pages. Allied Bank has not published a self-service minimum-revenue or turnover threshold for most of these products — final eligibility is confirmed by Allied Bank at application, not by this tool.
Business Account Options
Which account fits depends on your business's residency and religious-compliance preference, not just its size. Allied Bank runs at least two distinct conventional business-account tiers with different balance thresholds — don't assume they're the same product.
| Account | Who It's For | Balance Threshold for Free Services |
|---|---|---|
| Allied Business Account | Entrepreneurs and smaller businesses wanting free day-to-day banking services | PKR 25,000 monthly average balance |
| Allied Current Account (Business variant) | Businesses wanting a broader bundle of free services tied to a higher balance | PKR 250,000 monthly average balance (PKR 50/month charge if below) |
| Allied Islamic Business Plus Account | Businesses wanting a Shariah-compliant account, run under a Mudarabah contract | No minimum balance requirement |
| Roshan Digital Business Account | Non-resident legal entities incorporated outside Pakistan | Fully digital onboarding, no branch visit required |
Both PKR business accounts open with a PKR 1,000 opening deposit and include a free first chequebook (10 leaves). Required documents typically include CNIC of authorized signatories, business registration, and NTN — Allied Bank also offers digital onboarding support for corporate clients rather than requiring an in-branch visit for every step. For the Islamic variant's contract structure and how it compares to conventional accounts generally, see the Islamic Banking (Aitebar) page.
Source: Allied Bank's official Business Account and Business Banking FAQ pages.
Allied SME Finance — the Digital Lending Platform
Allied SME Finance is Allied Bank's digital platform for SME lending, built to assess a business's cash flow directly rather than relying only on traditional collateral requirements — intended to widen credit access for smaller, harder-to-collateralize businesses.
Allied Digital Finance
Short-term funding of up to PKR 10 million, with tenors of up to 180 days, aimed at working capital and operational expenses.
Supply Chain Financing
Larger short-term funding of up to PKR 100 million, with tenors of up to one year, supporting liquidity across a business's supply chain.
Digital Supply Chain Financing (DSCF) — Fauree Partnership
A dedicated conventional DSCF platform built with fintech partner Fauree, letting SME and corporate clients manage working capital and cash flow digitally with faster turnaround.
Islamic Digital Supply Chain Finance — Haball Partnership
A Shariah-compliant DSCF product built with fintech partner Haball, run through Allied Aitebar, addressing seasonal liquidity gaps for SME-driven supply chains without an interest-based structure.
Source: Euromoney's official "Pakistan's Best Digital Bank for SMEs 2026: ABL" article and Allied Bank's official Fauree and Haball partnership announcements.
Traditional SME Financing (Branch-Based)
Alongside the digital platform, Allied Bank's SME financing portfolio still runs through its branch network and relationship managers, covering the fuller range of business needs the digital products don't address individually:
Running Finance
Revolving working-capital facility for ongoing operational cash-flow needs.
Demand Finance
Fixed-term financing typically used for asset purchase or a specific business need.
Leasing
Asset financing structured as a lease rather than outright purchase financing.
Trade Finance
Import/export-related financing and instruments supporting cross-border trade transactions.
Allied Fast Finance
A faster-turnaround working-capital or asset-financing option for businesses that already hold an Allied business account.
Allied Business Finance
Working capital and trade finance up to PKR 25 million for traders, service providers, and manufacturers, covering Running Finance, Letter of Credit, and Letter of Guarantee facilities.
Allied Tijarat
Financing built specifically for traders, structured around the buy-store-sell trading cycle rather than a fixed repayment schedule.
Warehouse-Receipt Financing
SBP-channel financing against stored, receipted goods as collateral — reduces reliance on immovable-property collateral.
Allied Bank has not published a single consolidated markup-rate card covering every SME product above — product pages describe pricing only as "affordable" or "competitive," and actual markup depends on the facility type, tenor, and the business's own risk assessment. What is published, in the official Schedule of Charges (Jul–Dec 2026), are processing fees for Commercial & Retail Banking facilities, tiered by the size of the facility: Rs 1,000 for limits up to Rs 5 million, Rs 2,000 above Rs 5 million up to Rs 10 million, Rs 3,000 above Rs 10 million up to Rs 25 million, Rs 4,000 above Rs 25 million up to Rs 50 million, and Rs 5,000 for Rs 50 million and above — plus a facility charge of up to 1% p.a. of approved exposure, recovered upfront at disbursement. A Single Loan Application Form, introduced under SBP guidelines, now lets SME owners apply for financing across multiple banks using one standardized document, which Allied Bank accepts through its branches and SME financing teams.
Source: Allied Bank's official SME Financing Solutions page and Schedule of Charges (Conventional Banking, Jul–Dec 2026).
Other Business Banking Services
- Payroll and collection management
- Corporate internet banking
- Cash management services
- Cheque book and demand draft facilities
- Trade finance instruments (LCs, guarantees)
- Digital onboarding support for corporate clients
Source: Allied Bank's official Business Banking FAQ page.
Good For
- Choosing between Allied's two conventional business account tiers before opening one
- Understanding how the digital SME lending products differ from branch-based trade and working-capital finance
- Knowing which Islamic SME financing options exist alongside the conventional ones
- Finding the right starting point — account, digital finance, or a relationship manager — for your business's stage